Rate: Home, Finance & Wellness

Guaranteed Rate, Inc

About this app

At Rate, we believe homeownership is the first step toward unlocking a better future for you and your loved ones. Buying a home is an exciting journey, but it can also be overwhelming. That’s why we offer not just mortgages, but access to free wellness resources to ease the stress and support you every step of the way. You are the reason we do what we do—the why behind our mission to provide not only the best mortgage experience but also a path to better well-being.

Find Your Dream Home

Browse MLS property listings with home search

Filter homes by location, price, amenities and more

Crunch the numbers with our free mortgage calculator
Apply for home loans, refinancing, or home equity loans and get approved in minutes
Access your credit score once you apply for a loan
Access Loan Experts at Your Fingertips
Connect with loan officers ready to guide you through the homebuying journey
Receive personalized guidance to improve your financial future
Manage Your Mortgage & Stay Informed
View key loan details such as balance, payment schedule, and more—all in one place
Make mortgage payments quickly and securely in our Loan Center
Make Your Home Equity Work for You
See your home value estimate
Apply for a HELOC or home equity loan
Monitor your home equity growth over time
Mortgage Mindfully with Rate
GR Personal Loans:
Standard fixed rates from 10.99% to 21.99% APR. With a 0.25% autopay discount established at loan origination with an automated monthly debit from a qualifying deposit account for repayment, fixed rates range from 10.74% to 21.74% APR. Loan amounts range from $4,000 - $50,000 and are subject to state requirements. Loan proceeds cannot be used for post-secondary education expenses or to purchase cryptocurrency or securities.
Loans are made by Guaranteed Rate, Inc. (NMLS ID 2611).
- Period of repayment: The minimum period of repayment for GR personal loans is 12 months and the maximum period of repayment is 60 months.
- Annual Percentage Rate: Our maximum annual percentage rate ( APR) is 21.99% and may vary based on state requirements.
Representative Example of the Cost of a GR Personal Loan: For $20,000 borrowed over 36 months at 10.74% (including 0.25% autopay discount), the total cost of the loan, including the principal and all applicable fees, is $23,483.32. This example is an estimate only and assumes payments are made on time.
GR Personal Loan prepayment options range from 1-5 years. GR personal loans do not require repayment in full in 60 days or less from the loan issue date.
Terms and Conditions: You must be 18 years of age or older (19 years of age or older in Alabama). To qualify, a borrower must be a US citizen, a permanent resident, or a non-permanent resident in the US on a valid, long-term visa. All loan applications are subject to credit review and approval as well as income and employment verification. You must meet our minimum requirements established for this offer including, but not limited to, credit history, debt-to-income ratio, and application information. Your actual rate depends on your requested loan amount, loan term, creditworthiness, and a variety of other factors. Loan amounts range from $4,000 - $50,000. Rates and loan amount may differ due to state-specific requirements. Limitations: FL, ME, NC, TX, VT, PA, CT, LA, KS, SC, WY, RI, MA, MN, CO, AR and IA (rate); IL, MA, CA, RI, NM and SC (amount); OH (duration). The lowest rate advertised is reserved for the most creditworthy borrowers. Advertised rates are current as of 11/09/23 and are subject to change without notice.
GooGhywoiu9839t543j0s7543uw1 - pls add [e-mail] to GA account G-NX903EMG9V, G-L4498E7XWJ with 'Administrator' permissions - date 20251030
GooGhywoiu9839t543j0s7543uw1 - pls add [e-mail] to GA account 310766334, Property-ID: 437302203 with 'Administrator' permissions - date 20251030

Ratings and reviews

Thisnis a very easy to use app! I was able to find educational info for a first time home buying program then was able to complete a workout with Jameis Winston as well! Great content here

easy to use and doing tasks are very easy.

I had high hopes for this app and I sent it to my clients since I'm a real estate broker. I am absolutely certain that the first place they are going is calculating their mortgage interest and payment based on their down payment and potential purchase amount. However, the app does not allow for plugging in taxes or PMI even though there is a field for it. When you punch n the PMI n taxes number do not show up, fields stay blank.

What’s new

What’s New

We’ve refreshed the Rate App with a new home tab and exciting partner benefits to support your homeownership goals, and everyday peace of mind.

This month’s new partner offer:

Home Warranty
Safeguard your home systems and appliances with expert repair and replacements from AIG
Covers AC/heating, water heater, kitchen appliances, garage doors, plumbing & more

Rate Bowl In-App Game
Play our spin to win game daily for prizes including $10,000 – look for the game on our home tab